Business Banking Ops UW PM IV

The Underwriter IV (UW IV) position is responsible for reviewing and underwriting loan requests under Commercial Credit Policy up to TCL $10MM. Underwriting and recommendations should be based on sound credit judgment with particular emphasis on adherence to credit policy and requirements, bank’s risk culture, financial analysis/modeling, risk evaluation and mitigation and proper loan structuring. 

• Position is responsible for underwriting and recommending for approval to Credit Officers within SLAs and meeting production requirements.  Expected high degree of technical competency in credit analysis.
• The UW IV will independently interact with Senior Management, Sales Team, and Credit Officer, in order to discuss and resolve risk related issues. 
• UW IV independently reviews financials, proposed loan structure, collateral and due diligence and makes recommendations of new money requests for approval. 
• Aggressively seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated.
• The UW IV will perform the functions of the position with periodic oversight and is expected to perform with reasonable to general supervisory intervention.  They will be responsible for underwriting the simple and complex relationships within the group.

The Portfolio Manager IV (PM IV) position is responsible for effective credit administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, and on-going portfolio maintenance activities.

• Responsible for ensuring overall portfolio performance and asset quality remains strong and is able to independently address and develop strategies and actions to resolve issues that could increase risk and/or create loss for the Bank. 
• Escalate high risk situations in a timely manner. 
• Manage relationships with TCL between $1MM - $10MM, with particular emphasis on the larger (>$3MM) more complicated relationships.  Expected high degree of technical competency in credit analysis.
• Independently interact with Senior Management, Sales Team, Credit Products Manager, Credit Officer and CRM, in order to discuss and resolve risk related issues. 
• Independently reviews financials and makes recommendations for approval of annual review/renewal and/or modifications within delegated lending authority.   

Primary Responsibilities

Credit Analysis & Stewardship
Underwriter IV 

• Evaluates appropriateness of loan structure with Relationship Managers and Credit Product Manager as needed to meet client needs for new loans while ensuring the Bank’s credit risk profiles are maintained. 
• Assumes the responsibility to protect and preserve the integrity of the Bank’s risk appetite while accurately assessing and managing risk.  Assures compliance with Commercial Credit Policy and Risk Acceptance Criteria. 
• Effectively maintains high quality credit file documentation in a paperless environment. 
• Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively. 
• Exhibits knowledge of various types of loan terms, structures, and conditions and understanding of loan documentation.  
  
  Portfolio Manager IV 
• Assume the responsibility to protect and preserve the integrity of the pooled or individual portfolio while accurately assessing and managing risk, and managing the annual review process by means of recommendation. 
• Applies credit skills, product knowledge, industry analysis, and sound judgment to assess and manage credit risk effectively. 
• Exhibits knowledge of various types of loan terms, structures, and conditions and understanding of loan documentation. 
• Consistently adheres to all regulatory compliance requirements. 
• Accurately test covenants, and recognize various events of default while assisting with the recommendation and implementation of strategy and action planning.
  
  Workflow

         Underwriter IV 

• Actively and effectively manage multiple clients and transactions to meet production expectations as measured by goal setting metrics’ production commensurate with type & complexity of underwriting package. 
• Consistently adheres to all Service Level Agreements.

•  Credit experience and skill set with the moderately complex credits, with moderately complex organization structures, documentation, moderately complex covenan